Investor Academy
Short, plain-English lessons in two tracks — the standalone Non-QM second mortgage and the investor HELOC. Each has its own advantages; pick a track and see how it works, who qualifies, and where it pays off.
Best when you want a fixed lump sum behind a low-rate first mortgage: a one-time draw from $50,000 to $1,000,000, priced only on the new money, with your first lien left completely untouched.
The fundamentals: a standalone 2nd lien behind your existing first mortgage — no refinance, no tax returns, no origination or broker fees.
How rental cash flow (DSCR) and 12-month bank statement qualifying differ, and how to pick the track that maximizes your cash-out.
A cash-out refinance reprices your entire balance, not just the new money. Here's the payment math behind keeping your first mortgage and adding a standalone second lien.
How combined loan-to-value caps differ by track — 75% on bank statement, 70% on DSCR, 65% above $500,000 — and when a desktop AVM may be available for cash-outs up to $400k.
How to hold title in your LLC, what documents underwriters actually need, and the timeline from scenario submission to funding.
How the 5-year interest-only draw, 30-year maturity, and 25-year amortization structure keeps payments low while you deploy capital.
Audio overviews
Listen to focused overviews of each Non-QM second-mortgage topic — plus the ones that apply to both products.
The fundamentals: a standalone 2nd lien behind your existing first mortgage — no refinance, no tax returns, no origination or broker fees.
How rental cash flow (DSCR) and 12-month bank statement qualifying differ, and how to pick the track that maximizes your cash-out.
A cash-out refinance reprices your entire balance, not just the new money. Here's the payment math behind keeping your first mortgage and adding a standalone second lien.
How combined loan-to-value caps differ by track — 75% on bank statement, 70% on DSCR, 65% above $500,000 — and when a desktop AVM may be available for cash-outs up to $400k.
How to hold title in your LLC, what documents underwriters actually need, and the timeline from scenario submission to funding.
How the 5-year interest-only draw, 30-year maturity, and 25-year amortization structure keeps payments low while you deploy capital.
New video lessons are added regularly. Each one is short, practical, and built around real underwriting guidelines — not theory. All Academy material is proprietary and may not be copied, downloaded, or redistributed.
Take what you've learned and get a 60-second qualification read on your rental property — DSCR or bank statement, your call.